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(319) 339-1000 • (800) 397-3790
www.uiccu.org
Community
Welcome
Welcome
On behalf of our staff and volunteer Board of Directors, I am
pleased to welcome you to the University of Iowa Community
Credit Union. Established in 1938, the UICCU is a member-owned
financial cooperative serving over 120,000 members. We pride
ourselves in offering the very best financial products, and we back
it up with award-winning, personal service.
Giving back is important to us. UICCU is consistently ranked #1
nationally for returning profits to the members with better rates
on loans and deposits. Perhaps more important, our staff plays
an active role in the community by volunteering thousands of
hours of service.
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Deposit
Products
Loans
I encourage you to look through this booklet and visit our website to learn more about
what UICCU has to offer. Not only will you find convenient services, you will find
aggressive pricing, low fees, and award-winning local service. You’ll also support a
cooperative that is committed to building a stronger community.
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We look forward to serving you.
Jeff Disterhoft
President/CEO
University of Iowa Community Credit Union
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Management
JOIN US!
Membership is open to
anyone living or working
in the following counties
in Iowa or Illinois. You can
also join if you are a direct
relative of a current member
or graduated from the
University of Iowa.
Wright
Franklin
Butler
Hardin
Grundy
Hamilton
Story
Black Hawk
Tama
Marshall
Fayette
Clayton
Buchanan
Delaware
Bremer
Benton
Linn
Iowa
Johnson
Dubuque
Jackson
Jones
Insurance
Clinton
Cedar
Jasper
Polk
Poweshiek
Scott
Muscatine
Rock Island
Warren
Marion
Mahaska
Keokuk
Washington
Louisa
Lucas
Monroe
Wapello
Jefferson
Henry
Des
Moines
Henry
Mercer
Knox
Lee
Locations
& Hours
Welcome
Checking Services
Free Online Banking with Bill Payer
UICCU offers checking accounts designed to fit your needs. We have free accounts
with all the conveniences you expect in a checking account and more. We also have
Rewards Checking which pays a yield much higher than the average 12 month CD,
and reimburses the ATM fees that other banks charge. In addition to the best in
convenience features, you will find free tools to help manage your money. Compare
our options below to see which account is right for you.
Manage your financial life with one simple system, at your convenience. Check balances,
view transaction history, pay bills, transfer funds, schedule payments and more. We’ll even
store up to 15 monthly statements with our free e-Statement service.
Free Mobile and Text Banking
Rewards
Checking†
Free
Checking
Basic
Checking
Access
Checking
All members
All members
Members living
outside Johnson
County*
Members
rebuilding their
credit rating
Minimum Balance
None
None
None
None
Monthly Maintenance Fee
None
None
None
$5
UICCU-owned ATM usage fee
None
None
None
None
$1 per transaction
7 free per month;
then $1
$1 per
transaction
Who can open this account?
Non-UICCU ATM usage fee
$1 per transaction
refunded at
month end
†
Take your credit union with you. Mobile Banking allows you to post transactions, bill
payments, and balance inquiries from your smart phone. Text Banking gives you a direct
connection to your account via text messages. It’s a great way to stay on top of your finances
when you’re on the go.
Wouldn’t it be nice to have money management tools included with online banking? How
about the ability to see accounts that you have at other financial institutions all in one
place? FinanceWorks has it all for you. Built-in charts will show how you are spending your
money and if you are on track with your budgeting goals. This is a free service found within
our secure online banking site.
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ATM Access
UICCU ATMs are conveniently located for unlimited free transactions. If you are a Rewards
Checking account holder you not only qualify for free ATMs nationwide, we will reimburse
you for any ATM fees that other financial institutions charge (up to $120/year).
Yes†
No
No
No
Online Banking
Free
Free
Free
Free
Mobile Banking
Free
Free
Free
Free
Text Banking
Free
Free
Free
Free
FinanceWorks
Free
Free
Free
Free
e-Alerts when balances are low
Free
Free
Free
Free
Turn your everyday purchases into cash when you use your UICCU debit card. Targeted offers
from merchants are made based on how you shop. You can view and redeem the offers in
online banking. There is no limit to the cash back you can earn so you can enjoy substantial
savings on the purchases you’re already making. The more you use your UICCU debit card,
the more chances you will have to receive relevant offers.
Online Bill Payer
Free
Free
Free
Free
e-Alerts
Free (required)
Free (optional)
Free (optional)
Free (required)
Debit Card with Fraud Protection
Free
Free
Free
Free
Set up e-mail or text alerts when your account balances fall below a level that you
designate. Set up an alert if your UICCU credit card balances are on the rise or you have
a CD maturing as well.
Telephone Banking
Free
Free
Free
Free
Overdraft Privilege
Monthly Dividend
Yes
No
No
No
† To qualify for the premium rate and the ATM fee refunds (the sum of any usage fees and bank surcharge fees will be refunded up to
$10 per month), the account holder must meet the following criteria each month: 1) Twelve or more
debit card purchases averaging over $5 must post and clear the account. This excludes ATM or PIN-based transactions.
2) an ACH direct deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). eStatement
required. Primary account holder must be at least 18 years of age. Limit one account per person.
* UICCU owns dozens of ATMs in Johnson County, which offers members unlimited free access to funds without usage fees. Due to the
low number of UICCU ATMS outside of the county, Basic Checking was designed to provide those members easier access to their funds
without excessive ATM usage fees.
**e-Statements are free for all accounts and required for Rewards Checking account holders. Members who opt to receive paper
statements will be charged a fee of $2.00 per month.
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FinanceWorks™
Reimbursement for ATM
surcharges other banks charge
e-Statements**
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Purchase Rewards
Mistakes happen. Rather than returning items unpaid that overdraw your account, UICCU will
consider payment of overdrafts up to $1,500. While NSF fees still apply, you can avoid the
costly charges from merchants for returned checks. It’s no surprise that most of our account
holders opt-in to this service.
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Management
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ClickSwitch
UICCU makes it easy to move your account. Once you open your checking, we will provide
a special code for you to use at our secure ClickSwitch site. Enter your direct deposits and
withdrawals and ClickSwitch will automatically send out notifications to these vendors to
have them moved to your new UICCU account.
Locations
& Hours
Deposit Products
Building wealth is easy at UICCU. You’ll have peace-of-mind knowing that your deposits
are insured up to $250,000 by the National Credit Union Association, an agency of the
U.S. Government.
Welcome
Checking
Services
Savings Accounts
Whether you’re saving for a rainy day or the holidays, a savings account at UICCU is a
safe place to store your money. Dividends are paid monthly and there is no minimum
balance requirement.
Deposit
Products
Certificates of Deposit
No plans for your savings? Open a certificate of deposit and earn a higher yield. The
minimum investment is just $500. Terms range from 3 to 60 months. Visit uiccu.org for
rates and monthly specials.
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Money Market Accounts
If you are looking to keep your deposits liquid, look no further than our Money Market
products. Many of these products will pay higher yields the more you have on deposit.
Individual Retirement Accounts
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Individual Retirement Accounts (IRAs) are a great way to ensure that you retire with
confidence. Open one today with as little as $100, then add to it whenever you like.
IRAs offered include: Traditional, Roth, and Coverdell accounts.
Best Rate Guarantee*
UICCU guarantees you’ll get the Best Rate on your CD
or IRA! If you find a better advertised rate at a local
financial institution, we’ll not only match it…we’ll
beat it. The Best Rate Guarantee is an exclusive benefit
for members.
Commercial Accounts
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Management
We are in business to help your business. We offer commercial
checking and savings products, and can provide online resources
to help you manage them.
*If you find a better advertised yield on a CD or IRA at a financial institution based in the counties we serve, the UICCU will
beat it. Guarantee available for a limited time only. Applies only to comparably termed CDs with comparable minimum
balances. Does not apply in those cases where the credit union does not offer a comparable product. Not available to public
organizations or other financial institutions. Maximums apply.
Insurance
Locations
& Hours
Welcome
Loans
When you need financing, you can trust our staff to find the right product at the right
price. Our terms are flexible and applying couldn’t be more convenient. You can apply
at any office location, by phone or even at uiccu.org.
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Services
Home Equity Loans
Tapping into your home’s equity is easy and inexpensive at UICCU. Choose from a
flexible Home Equity Credit Line, a fixed term Home Equity Loan, or combine the
best of both with our Fixed Rate Home Equity Credit Line. Use the money for debt
consolidation, vehicle purchases, home repairs, or whatever else you may need. For
most homeowners, the interest is tax-deductible.
Auto Loans
There are 3 reasons the UICCU is consistently a leader in automotive lending: great
service, flexible terms, and exceptionally low rates. If you already have an auto loan at
another financial institution, ask about our Second Chance refinance. This program has
saved thousands of members money by lowering their interest rate by up to 2%.
Commercial Loans
As your business changes over time, so do your needs. At UICCU you’ll find a variety
of business loans that can help you reach your goals, including fixed-asset term loans,
commercial real estate loans, working capital credit lines, and more.
Deposit
Products
Loans
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Personal Loans
Whether you want a fixed rate with a fixed term or a credit line that allows for easy
access, UICCU will make the process fast and easy. We’ll work with you to find a term
and a great rate that fits your budget.
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Private Student Loans
We can help you and your family fill in the gaps left by federal aid. With lower interest
rates and no origination fees, you’ll get significant cost-savings by choosing UICCU’s
Private Student Loan over alternative lenders. We now offer undergraduate and
graduate programs. Visit our site to learn more and apply.
Please note that University of Iowa Community Credit Union is an independent community credit union and is not affiliated
in any way with or owned or controlled by the University of Iowa. The University of Iowa does not endorse any private
educational loan product offered by the University of Iowa Community Credit Union, nor is the University of Iowa Community
Credit Union in any way a preferred lender of the University of Iowa.
UICCU is an Equal Housing Opportunity Lender.
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Insurance
Did you know?
UICCU offers a Skip-A-Payment program on personal and auto loans. You can
defer up to two payments a year and put a little money back in your pocket.
Locations
& Hours
Welcome
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UICCU is a market leader when it comes to home loans. That’s because we listen to
our members and find the right product to match their needs. Whether purchasing,
refinancing, or constructing, our home loan department has experienced professionals
ready to serve you.
Fixed-Rate Loans
UICCU offers fixed-rate mortgage loans through several vendors so we can lock in the
lowest rate possible for you. We have programs for first time homebuyers and even
offer ways to avoid Private Mortgage Insurance (PMI).
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Deposit
Products
Adjustable-Rate Loans
UICCU offers in-house adjustable-rate products if you need 100% financing or don’t
plan to stay in your home long-term. We even offer ways to avoid Private Mortgage
Insurance (PMI).
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First Time Homebuyers
There are often programs and incentives available to first time home buyers. We’ll take
the time to educate you on the process and find the product that meets your current
and future plans. More importantly, we will work to establish a budget as you begin
the shopping process.
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Jumbo Mortgage Loans
For borrowers needing a loan amount greater than $417,000, UICCU offers Jumbo
Mortgage loans with a low fixed rate and no 1% origination fee.
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USDA Rural Development Program
UICCU is proud to offer USDA Rural Development loans for qualifying borrowers. This
program provides loans for low to moderate income families in rural Iowa achieve their
dream of home ownership. Up to 100% financing is available. Visit www.rurdev.usda.
gov/ia to learn more.
Virtual Home Loan Center
If you prefer to do the homework yourself, use our Home Loan Center to check rates,
use calculators, and even start an application. Our Rate Watch feature allows you to set
a target rate and be notified by e-mail when that rate hits. It’s a complete resource at
your disposal. You’ll find the link right on our homepage (uiccu.org).
Did you know?
Unlike many financial institutions, UICCU does
NOT charge a 1% origination fee on mortgage
loans. That puts millions back into the pockets
of our mortgage members each year.
UICCU is an Equal Housing Opportunity Lender.
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& Hours
Credit Cards
Our cards charge no annual fees and offer a 25 day grace period on purchases, low
non-variable rates, a cardholder friendly fee structure, and award-winning local service.
We even give you tools to manage your accounts and rewards online. Simply select the
card that’s right for you.
Platinum Rewards Mastercard
Platinum Rewards MasterCard is specifically designed for members who tend to pay off
their balances each month, but are regular credit card users. You’ll earn points whenever
and wherever you use the card. You can redeem them for a wide variety of great rewards
including airline tickets, merchandise, hotels, event tickets or even cash. Non-variable rates
start as low as 11.9% APR*, and we will even welcome you with an introductory rate as low as
0% for 6 months.
Platinum MasterCard
Welcome
Checking
Services
Deposit
Products
Loans
Platinum MasterCard is designed for members who tend to carry balances on their card and
want the peace-of-mind of a non-variable rate. Non-variable rates start as low as 9.9% APR*,
and we will even welcome you with an introductory rate as low as 0% for 6 months.
The World Card
Our elite offering, the World Card empowers you with the flexibility to explore the places and
pursuits that mean the most to you. It comes equipped with reward points for purchases, and
travel benefits that give you exceptional service. It is accepted at over 28 million locations
worldwide; twice as many as American Express. The minimum credit line is $10,000 and
minimum household income required to apply is $100,000.
Black & Gold MasterCard
The Black & Gold MasterCard is a variable rate card designed for members who would like a
low interest rate, but are willing to accept a variable rate. Rates adjust with the Prime Rate.
Transfer balances from high interest big bank cards and you won’t pay a transfer fee, so you
start saving right away.
BONUS OFFER
Platinum Rewards and World cardholders will enjoy a special incentive to begin using the
card. Platinum cardholders will receive 5,000 points if they make $500 in purchases in the
first 2 months. World cardholders will receive 10,000 points if they make at least $1,000 in
purchases in the first 2 months. These points can be redeemed instantly for $50 or $100 cash
respectively, or banked for larger rewards later. Some restrictions apply.
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Credit Cards
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Insurance
Did you know?
Our credit cards are recognized nationally for low rates and fairness to consumers.
Visit www.creditcardconnection.org to learn more.
Locations
& Hours
Welcome
Wealth Management
UICCU Wealth Management provides alternatives to
standard deposit products. When you meet with one
of our financial management professionals, you can be
assured of a personalized one-on-one analysis that’s
designed with your specific needs in mind. We take
a value-oriented approach to meeting your needs.
We’ll take the time to learn about you and your financial objectives,
and then offer strategies based on your input. Our process includes:
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Services
Deposit
Products
Discovery
Before we get down to crunching numbers, we’ll talk about the things that are most
important to you: family, community, pastimes, church. We’ll ask a lot of questions
about what you’re really thinking, feeling, or worried about; your experiences with
money and what you’ve accomplished so far. Together we’ll figure out where you are.
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Planning
Based on what we discuss in the Discovery phase, we will assess your personal
situation, gauge where you are now relative to your life goals and priorities, and
consider what gaps exist. We will weigh in the financial implications of each goal we
discuss and construct the framework for a plan that supports them.
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Strategies
A benefit of holistic planning is that it provides a comprehensive view of all areas of
your financial life. During this phase, we will recommend specific strategies to help
match each of your goals. This is where we implement your customized plan.
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Monitoring
Just when you make plans, life happens - and events large or small can change
everything. The monitoring stage incorporates tracking systems to keep your plan on
target. We’ll help you plan for the unexpected, anticipate change, and adjust your plans
over time, as necessary.
Wealth
Management
Wealth Management Services:
• Asset Management
• Retirement Plan Management
• Insurance Planning
• Legacy Transfers
• Trust Services
Securities and Advisory Services offered through Commonwealth Financial Network®,
Member FINRA/SIPC, a Registered Investment Adviser.
Investments are not FDIC or NCUA insurance, are not guaranteed by the bank/financial institution,
and are subject to risks, including possible loss of the principal invested.
Insurance
Locations
& Hours
Welcome
Insurance
It makes sense that the number one lender in the
corridor also provides exemplary insurance products to
help you protect your assets. UICCU Insurance exists for
that purpose. As an independent insurance agency with
a professional full-service staff, we can shop multiple
providers to find the right coverage for your home, auto, business, or life. UICCU
Insurance draws from the top companies in the industry. We are not obligated to any
one company, and provide unbiased advice to meet your needs.
Checking
Services
Deposit
Products
Home
For many, your home is your largest asset. That’s why you need to protect it. Our
professionals can search multiple providers to build a policy to protect you from a
wide array of scenarios affecting your home or property. Bundling auto insurance in
with home insurance can also lead to cost savings.
Loans
Auto
How do you prefer to get from point A to point B? Is it a car, truck, van, boat,
motorcycle, or RV? No matter what your method of transportation, UICCU Insurance
has the products to protect you, and multiple vehicles can lead to discounts on
monthly premiums.
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Business
Keeping your business successful is a full time job and you don’t have time to be an
insurance expert. No matter what business you’re in, having the right insurance plan is
critical. We can help you assess the insurance needs of your business and build a plan
designed to protect it.
Credit Cards
Life
Life insurance is offered to cover the financial effects of unexpected or untimely death.
It can also be one of many ways you plan for the future. It should be a part of every
person’s financial portfolio, offering tremendous peace of mind to those you leave
behind. An agent can help you review your insurance needs and give you information
about our available policies.
Learn more about these and other insurance products we offer by visiting uiccu.org
and clicking on the Insurance tab.
Wealth
Management
Insurance
Did you know?
Certain insurance providers offer additional
discounts just for being a credit union member.
Locations
& Hours
Welcome
Locations
We’re here for you. UICCU offers 13 locations and access to dozens of ATMs locally.
Here are some key numbers and addresses to find us:
Main Line
Mailing Address
Website
Live Chat
Routing Number
Telephone Banking
ATM Locations
319-339-1000 or 800-397-3790
PO Box 800, North Liberty IA, 52317
www.uiccu.org
www.uiccu.org
273975098
319-339-1040 or 800-822-8056
To view a complete list of our ATMs, visit uiccu.org.
Checking
Services
Deposit
Products
Loans
North Liberty Financial Center
2355 Landon Road
North Liberty, IA 52317
Downtown Cedar Rapids
716 A Avenue NE
Cedar Rapids, IA 52401
Downtown Iowa City
500 Iowa Avenue
Iowa City, IA 52240
Hiawatha
405 S Blairsferry Crossing
Hiawatha, IA 52233
Westside Iowa City
825 Mormon Trek Blvd
Iowa City, IA 52246
Marion
727 Oakbrook Drive
Marion, IA 52302
Eastside Iowa City
2525 Muscatine Avenue
Iowa City, IA 52240
Grinnell
705 6th Avenue
Grinnell, IA 50112
Coralville
1151 Second Street
Coralville, IA 52241
Cedar Falls
3409 Cedar Heights Drive
Cedar Falls, IA 50613
North Liberty
585 W Penn Street
North Liberty, IA 52317
Davenport
3402 Elmore Ave
Davenport, IA 52807
Southwest Cedar Rapids
2340 Edgewood Road SW
Cedar Rapids, IA 52404
Please visit our website for hours of operation.
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Credit Cards
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Management
Insurance
Locations
& Hours